Wray State Bank
Wray, Colorado · FDIC Cert #22447
Wray State Bank is an FDIC-insured bank (Certificate #22447) with $262M in total assets and $235M in total deposits as of the Q2 2024 Call Report. Headquartered in Wray, Colorado, the bank maintains a Tier 1 capital ratio of 13.36% (Well-Capitalized) and a nonperforming loan ratio of 1.59%. BankHealthData assigns a composite Health Grade of B (78/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Wray State Bank (FDIC cert 22447) is a community bank — $262M in total assets, $235M in deposits, serving the Wray, Colorado area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.36% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.59% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.58% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Wray State Bank carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Wray State Bank
- Total Assets
- $262M
- Total Deposits
- $235M
- Tier 1 Capital Ratio
- 13.36%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.59%
- Liquidity Ratio
- 24.13%
- Return on Assets
- 1.58%
- Headquarters
- Wray, Colorado
- FDIC Certificate
- #22447
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Wray State Bank holds a Tier 1 capital ratio of 13.36%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Wray State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Wray State Bank shows strong financial health indicators. With $262M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Wray State Bank Compares
Wray State Bank’s Health Score of 78 is 7 points above the Colorado state average of 71 across 62 FDIC-insured banks. Its 13.36% Tier 1 capital ratio is 0.6 points below the US banking industry average near 14%. The 1.59% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.58% is in line with or above the national ROA benchmark of ~1.1%. Among 1583 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Wray State Bank is 8 points above the portfolio average of 70.
Frequently Asked Questions
Wray State Bank has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.36%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Wray State Bank's Tier 1 capital ratio of 13.36% and nonperforming loan ratio of 1.59% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Wray State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #22447). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Wray State Bank holds $262M in total assets and $235M in total deposits. It is headquartered in Wray, Colorado (FDIC Certificate #22447).
Wray State Bank has a Tier 1 capital ratio of 13.36%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.59%, and the return on assets is 1.58%.
Yes. Wray State Bank is FDIC-insured (Certificate #22447). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Wray State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.